Roberts at a glance
- Population: the Census estimates 578 residents, ranking 116th of 197 places in Idaho (Vintage 2023).
- 2020 Census base: 500 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: an increase of about 15.6% since the 2020 count (US Census Bureau).
- Rank among Idaho places: 116th in population of 197 places (US Census Bureau).
- Size percentile: larger than about 41% of the Census places in Idaho (US Census Bureau).
- Coordinates: 43.7205 / -112.1289, per the US Census Bureau Gazetteer.
- Nearest larger cities: Menan, ID (7 mi); Rigby, ID (11 mi); Ucon, ID (12 mi); Iona, ID (17 mi); Idaho Falls, ID (17 mi) (Census populations, approximate straight-line distance).
- Nearest smaller communities: Lewisville, ID (6 mi); Mud Lake, ID (19 mi); Parker, ID (25 mi), each a US Census place.
What a personal loan costs in Roberts
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Idaho lending rules that apply in Roberts
Each row below is a Idaho rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| Small-loan / installment lender licensing | Regulated Lenders License required (regulated consumer loans) Source says: "unless a person is exempt ... he shall not engage in the business of: (a) Making regulated consumer loans". | Idaho State Legislature as of 2026-09-16 |
| State lending regulator | Idaho Department of Finance (IDOF) Source says: "Safeguarding the financial health of Idahoans through the appropriate oversight of diverse financial institutions, the education and protection of consumers". | Idaho Department of Finance as of 2026-09-16 |
| Idaho Credit Code finance-charge rule | No statutory maximum finance-charge rate — rate as agreed by the parties (Idaho Credit Code) Source says: "the rate of finance charge shall be that which is agreed upon between the parties to the transaction". | Idaho State Legislature as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | 12% per annum legal rate (when no written contract fixes a different rate) Source says: "interest is allowed at the rate of twelve cents (12¢) on the hundred by the year". | Idaho State Legislature as of 2026-09-16 |
| Payday lending status | Permitted under license (payday loan license required) Source says: "No person shall engage in the business of payday loans ... without having first obtained a license under this chapter". | Idaho State Legislature as of 2026-09-16 |
How to compare offers in Roberts
Before you commit to a personal loan in Roberts, work through these steps:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Idaho using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.